Any suggestions on how to attack these baddies???

[ramrod]

Hello I'm trying to get advice these CAs that are recent and within the SOL for my state MI. They are as follow: Encore Cap(Midland) $1455 charged off from Walmart 10/12. Opened with Encore Cap(Midland) 10/13. Two accounts with Cavalry for two different CC (HSBC) $973 and $575 opened 5/13. Due to the fact these accounts are new and with my state's SOL does this leave me with no room to negotiate to settle each account for less than what's owed? Also, I should note I have contacted the OC who all told me the CA are handling my accounts now. Please give me some insight on how to negotiate with them?

[AeroKrix]

Don't be discouraged to negotiate because of the fact that a collection is new. The CA just wants its money. I think where SOL plays a role, IME, is settlements. Newly reported collections are less likely to be settled for ^50%, but as years pass, CA's start throwing smaller settlements in hopes of just getting anything. I've seen PFD's work on CO's having only been reported for 1 month. It will be a YMMV. 

On a side note, I've heard terrible things about Midland. I would highly seek advice from someone who has directly and successfully dealt with them. I've been fortunate enough to have had easy to deal with CA's. Good luck to you.